Boost your super

It’s never too late.

Thanks to tax concessions, government benefits and compounding interest, paying extra money into your super can be a great idea.

While it might seem that retirement is a long way off, the sooner you start, the better.

Why it’s a good idea

  • When you retire you’ll need to live off the money you earn from your super which could be another 30 - 40 years
  • Because the cost of living increases, by the time you retire you’ll need more money than you think
  • When you retire you might want to travel, buy a new car or treat yourself with something a little extra, and
  • Due the tax benefits on super, it’s an excellent way to invest. 

What works best for you?

There are different options to boost your super.

Each option might suit you at different times in your life. 

Look to the tables below to see what will work for you.

Sourt out your super

Claim your lost super We can find any lost super you might have on your behalf.Find and dust off any unclaimed super you might have and put it to work for your retirement.
Rollover your superCombine your super accounts into one.


Save on fees, reduce paperwork and make it easier to keep track of your super.
Selecting a suitable investment optionSelect one or a combination of our investment options.Selecting the right option(s) can allow your super to grow in line with your expectations.

Boost your super with your BEFORE-TAX INCOME

OpportunityAboutBenefitMay suit
Salary sacrificeYou give up some pre-tax income (i.e. your take-home pay) and put it into your super instead (up to the relevant cap).Boost super and if you’re a higher income earner, save on tax.Those earning more than $37,000.

Boost your super with your AFTER-TAX INCOME

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Personal contributions


Make a contribution to your LUCRF Super account using your after-tax money (up to the relevant cap).


Considerable boost to your super – may also entitle you to one of the benefits below.




Government co-contributions


For every $1 you contribute, you receive up to $0.50 from the government.


You can receive up to $500 from the government.


Those earning less than $52,697 pa.


Spouse contributions


If your spouse is on a low or no-income, you can contribute to their super account and receive a tax offset.


Boost your spouse’s super and you may receive an 18% tax offset up to $540


Those individuals whose spouse earns less than $40,000.



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Low Income Super Tax Offset Contributions (LISTO)


If you are eligible you may receive 15% of your before-tax contributions.


If a before-tax contribution is made, (this can include an SG contribution) you can receive up to $500 from the government.


Those earning less than $37,000.


If you need further help to work out what will give your super the boost it needs, contact us for free financial advice on 1300 130 780.